326 4th St, Troy, NY 12180 Property Records

Rensselaer County and Troy City property record for 326 4th St, Troy, NY 12180

Property Summary

Property Type	Triplex
Details	8 bd · 3 ba · 4,430 sqft · built 1900
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Jun 2024)
Tax Bill	$6,269 (2026)
Deeds & Mortgages	Jun 2024 Sale & Mortgage May 2020 Mortgage + 2 more
APN	`381700 112.21-4-1`

Property Details

APN / Parcel Number

Primary APN	`381700 112.21-4-1`
Alternative APN	`1101080`

Interior

Bedrooms	8 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	4,430 sqft Total Area
1st Floor Area	1,476 sqft
2nd Floor Area	1,477 sqft
Upper Floors Area	1,477 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Brick
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	130 ft deep x 25 ft wide
Patio Area	319 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1101080
Street Address	326 4TH ST
City	TROY
State	NY
Zip	12180-4879
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	MU1
Legal Description	3 STY BR HSE 76-6/92
Legal Block	4
Legal Lot Number	1.000
Jurisdiction	RENSSELAER NY
Township / Civil Division	TROY
Census Block Group	3
Census Block	3004
Census Tract	40900

Owner

326 4th St, a triplex, is owned and occupied by an individual who bought it in June 2024.

Source: Rensselaer County and Troy City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	326 4TH ST, TROY, NY 12180-4879
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP
May 19, 2020	Deed of Trust, Mortgage COMMUNITY BK NA
May 19, 2020	Loan Modification, Mortgage COMMUNITY BK NA
May 9, 2020	Loan Modification, Mortgage COMMUNITY BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2024 · Amount on File
Deed Sale	Jun 14, 2024 · Amount on File
Prior Sale	Nov 14, 2011 · Amount on File
Deed Document Number	20242024-642898
Deed Book / Page	10696 / 229
Record Updated	Oct 29, 2026

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RENSSELAER NY
Recording Date	Jun 14, 2024
Property Address	326 4TH ST, TROY, NY 12180-4879
Document Number	0106960229
Book / Page	10696 / 229
Instrument Date	May 20, 2024
Instrument	2024-642898
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 4TH ST, TROY, NY 12180-4879

Mortgage

Document Number	2024642899
Date	Jun 14, 2024
Instrument	2024-642899

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	0106960281
Date	Jun 14, 2024
Book Page	10696/281
Instrument	2024-642904

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	326 4TH ST, TROY, NY 12180-4879
Document Number	0000568530
Instrument Date	May 19, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2 OAKWOOD DR EAST GREENBUSH NY 120611817, EAST GREENBUSH, NY 12061-1817

Mortgage

Document Number	0000568530
Date	May 21, 2020
Book Page	009166/000219
Instrument	568530

Lender

Name	COMMUNITY BK NA
Address	ALBANY, NY 12211

Agreement

Amount	Amount on Record

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RENSSELAER NY
Property Address	326 4TH ST, TROY, NY 12180-4879
Document Number	0000568798
Instrument Date	May 19, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	58 MIDDLEBURGH ST TROY NY 121801435, TROY, NY 12180-1435

Mortgage

Document Number	0000568798
Date	May 28, 2020
Book Page	009171/000264
Instrument	568798

Lender

Name	COMMUNITY BK NA
Address	2 OAKWOOD DR, EAST GREENBUSH, NY 12061-1817

Agreement

Amount	Amount on Record

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RENSSELAER NY
Property Address	326 4TH ST, TROY, NY 12180-4879
Document Number	0000568800
Instrument Date	May 9, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2 OAKWOOD DR EAST GREENBUSH NY 120611817, EAST GREENBUSH, NY 12061-1817

Mortgage

Document Number	0000568800
Date	May 28, 2020
Book Page	009171/000280
Instrument	568800

Lender

Name	COMMUNITY BK NA
Address	ALBANY, NY 12211

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 326 4th St was $6,269, up 7.4% from the year before.

Source: Rensselaer County and Troy City assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	New York
County	Rensselaer County
Municipality	Troy City
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,269.00 (+7.36%)
2025	$5,839.00	$150,000 Land $8,800 Building $141,200	$256,800 Land $15,066 Building $241,734
2023		$125,000 (-) Land $8,800 Building $116,200	$178,600 (+8.59%) Land $12,573 Building $166,027
2022	$5,750.00	$125,000 Land $8,800 Building $116,200	$164,474 Land $11,579 Building $152,895

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA's flood maps do not cover 326 4th St; there have been 42 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective January 12, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	42 (1979–2019)
Claims Outside the SFHA	1 of 42
Most Recent Claim	Aug 2019 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 32 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 326 4th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TROY CITY PWS serves 51,401 people · EPA ID NY4100050
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	110 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2018
Treatment and Procedure	Lead public education Oct 2021
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 533 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Massivemesh Networks.

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